1 Heating pads and hot water bottles can be used on larger surfaces needing heat.  Moist warmth. Towels or washcloths can be soaked in warm water, wrung out, and placed on the area. Moist warmth is more effective in relieving muscle pain than dry warmth.
The average cost of Texas home insurance is about $1,409 a year, but because the most common nationwide policy (the HO-3) is not available in Texas, the average home insurance rates of states that might otherwise be similar appear to be much, much lower.he average cost of an HO-3 policy in California, for example, is $937 a year; while this seems like a markedly more affordable market, the fact that Californians have different policy forms to choose from than Texans do skews the comparison dramatically.
In 2008, typical premiums for family health insurance coverage provided by private employers in the U.S. include an extra $1,017 in premiums due to the cost of care for the uninsured. In Texas, because of the very large percentage of uninsured, that figure is $1,551. By 2010, the national average will catch up to Texas' current figure; by then, the annual cost per Texas family will soar to $2,786. Texas' share of uninsured children is higher than the U.S. average.